My Passion

In Jan 2008, I did a single need service on estate planning for my client who was at the age of 58 .He is successful  in business now after years of  hurdle during early days .
Upon completion of the estate planning work, we have chatted over topic of career and business .
He said “ i don't think you can earn much in your work , selling insurance is too common , too many insurance agents around, selling unit trust also too competitive , will & trust still not common...” . I reckon his point of view which is valid in this  competitive market , however , I explain to him that I am moving forward transition myself from tied insurance agent and tied unit trust agent , to become a licensed financial adviser after completion of my exam  in next few months , with independent position, I will work differently from tied agent who only offer limited choices .
“what's the different ?” he asked
“ with this licensing ,I can work out full set  financial plan for client by understanding their asset, liability , goals and objective .Advise on solution which is independent and not bias, since I can then access to multiple insurers , multiple fund houses, local & overseas  "
Not exactly convinced , he challenged further " the rich wouldn't need this service since they don't have problem , for the poor , they wouldn't like to let you know they are in trouble ... How to work or survive ? "
I patiently explained this industry still in infancy in Malaysia, much more education and public awareness needed to move forward .
" I plan to open another branch in KL , why not come to help me in business , in business only you can have good fortune ."
I politely rejected the idea, independent financial planning work still my passion since year 2000 while I still worked in corporate world. Without knowing where to go and how to start the career of " independent  financial planning " , I have been recommended by my brother who is ING insurance unit manager to join  HLA as part time insurance agent in 2001 . With hectic work load in big corporation, part time gradually become no time and about being terminated due to no case and can’t full fill quota to sustain as an agent in HLA in 2004.
With much sleepless night in thought of my passion, thought for those friends who are my pioneer clients  supported and trusted me , they are KC  , Lee  , Cherry,  Jerry ,ChoyNyi , Grace, Mrs.Fong, SK, Mary, Janice & Teacher Lee ( heart felts thanks to all of you in this time of recording )  . I have decided to resign from corporate world to concentrate fully in insurance , investment and estate planning related career.
Since then, I actively buck up my knowledge in insurance, investment and estate planning, work as an insurance agent, unit trust agent , will writer for clients who in need of single aspect service  ,not having total integration of planning for client with this position .
In 2005 , I have started research in financial planning firms in Malaysia and landed in  Standard Financial Planner Sdn.Bhd. (SFP).  With further qualification needed, I have completed Registered Financial Planner courses by 2008 & being confer the Financial Adviser Representative (FAR) licensed by Bank Negara Malaysia , Capital Market Services Representative (CMSR) licensed by Security Commission.
To practice as independent financial adviser , resigned from tied agency is a must . With this, I started the new journey to have better equip myself to service all my clients. A bumpy road moving forward , not smooth till now , but I believe I can do it !